Credit Cards - Experienced People Wanted!

I got a Student debit card from Bank of America (visa) last year when I entered college, and applied for a visa credit card at the same time. I've been using the credit card for everything since, and needless to say, carry only a small amount of cash (~$20). Just remember to pay off what you spend (and obviously, to spend only what you can pay for). Use your online account to constantly check your balance, and to pay your balances by simple using your debit card to pay for your credit card. Not a single paper statement needed, and you can always have an up-to-date statement of your balance. I even set my account on auto-pay even though usually I check the transactions and amounts several times a week.

Jam it back in, in the dark.